Living Bread Radio Inc (EIN 010805468) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2003

Legal Domicile

Principal Officer

Barbara Gaskell

Tax Period

2023-07-01 to 2024-06-30

Living Bread Radio Inc, founded in 2003, is a small nonprofit in the Religion sector that reported $414K in total revenue in fiscal year 2023. Expenses of $379K left a modest 9% surplus.

Mission

The Organizations primary exempt purpose is to faithfully broadcast the message of Jesus Christ through the medium of radio. The programming will enlighten and educate listeners to the depth and richness of the Catholic Faith.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $355,476

Program Service Revenue $0

Investment Income $6,773

Other Revenue $52,202

TOTAL REVENUE $414,451

Expense Breakdown

Grants Paid $0

Salaries & Benefits $183,114

Fundraising Expenses $2,640

Program Expenses $370,353

Other Expenses $195,414

TOTAL EXPENSES $378,528

Year-over-Year Comparison

	2023	2022	Change
Revenue	$414,451	$408,886	+0.0%
Expenses	$378,528	$374,103	+0.0%
Net Income	$35,923	$34,783	+0.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mary Demarco	Secretary	10.00	Officer Director	$0	$0	$0
Barbara Gaskell	President	20.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$414,451	$378,528	$904,918	$35,923
2023	$408,886	$374,103	$865,722	$34,783
2022	$417,089	$344,035	$825,109	$73,054
2021	$337,680	$295,584	$785,378	$42,096
2020	$335,541	$333,817	$696,735	$1,724
2019	$358,582	$395,533	$664,146	$-36,951
2018	$375,707	$391,631	$708,347	$-15,924

Living Bread Radio Inc